Autumn 2014 Newsletter

A warm welcome from the team at Hallam Jones.

CONSIDER THIS...

If you were to suffer from a medical condition or injury, be it a minor health scare or a life-threatening diagnosis, would you pay your living costs while you take time off work to recover?

What if you could get treatment that would prevent things from getting worse, but couldn’t afford it?

How would you feel if you had to wait until the condition is in its later stages before being able to claim under a traditional trauma insurance policy?

And, what if you suffered from more than one serious illness or injury throughout your life, but didn’t have the right insurance because of the cost?

Our day-to-day lives are becoming increasingly full and fast paced, usually with multiple responsibilities including a mortgage, children, education, our careers and lifestyle. So, if you suffer either illness or injury, medical treatment and financial support can be critical to getting you back on your feet quickly. That is why insurance that better fits your life, and how you want to live it, is more valuable than ever before...

Sovereign’s progressive care is all of the above.

It is a new type of trauma insurance designed to be there when you need it, with potential for multiple benefit payments throughout your life, based on the severity of the medical conditions. The more serious the condition is – the larger the claim payment will be.

Because of the significant medical advancements made over the last few years, many conditions that were likely to end in death or permanent disablement are now curable or survivable, resulting in quicker recovery times.

As medicine has advanced, insurance also needs to evolve. Which is why PROGRESSIVE CARE isn’t your typical trauma insurance – it is insurance for life.

WELCOME TO STEVEN CUDIC

We welcome Steven Cudic to our busy team! We will let him introduce himself...

“I grew up in the sunny Hawkes Bay in Napier. I moved to Bay of Plenty 4 years ago, to broaden my horizons, and simply love the lifestyle here.

I feel I’ve always been a people person, so have naturally gravitated towards careers which find me interacting with the public.

In Hawkes Bay I mainly worked in the Mortgage industry, so I feel joining Hallam Jones Insurance is part of a natural progression for me, and are very excited about joining the team. They are a great bunch of people.

In my spare time I enjoy catching up with friends, getting out of town into the great outdoors, following sport, and watching a good movie.”

CLIENT TESTIMONY

“With business booming and larger contracts in the pipeline, it was time to sort out some indemity and public liability insurance.

Mark handed me over to Richard Benton, who not only helped me fill out all the paperwork, but also worked tirelessly to find me the best policy verses price. I am absolutely thrilled with the service I received and would highly recommend the team at Hallam Jones to anyone.”

Chris Parnell. CG Design Ltd.

YOUR FIRST HOUSE COULD BE A BRAND SPANKING NEW ONE!

Back in December 2013 the RBNZ made a common sense concession which allowed over 80% mortgages - if that was going to be for the construction of a house. It’s taken several weeks for the banks to formulate lending policy around that decision but it’s finally here.

This is a genuine option for those who earn too much to fit the Welcome Home Loan income limits or who don’t have a guarantor willing to stump up the equivalent of 20% equity or even for those wanting to build a place and then rent it out. You’ll still need to put up a 10% deposit whether in cash (again this could come from a combination of your savings, Kiwisaver, a gift etc).

You more or less need to be looking at a house and land package via a reputable firm who provide a fixed price contract. The fixed price contract is important because it means no surprises for all concerned and sets out the building process and progress payments to the builder. A guarantee from the Master Builders or Certified Builders must be included in the contract and fortunately most house and land package deals have this as a standard term.

Campbell Hastie,
Mortgage Broker.

DUCK WITH APRICOTS

• Cook ducks in a covered dish for about 2 hours – check for tenderness.
• Pour juice from dish and cool to remove fat.
• Place a tablespoon vinegar and 2 teaspoons sugar in dish and heat to caramelise – watch, as it burns easily.
• Add the cooled juices and the juice from a tin of apricots.
• If not sufficient gravy, add a little water – thicken with flour.
• Add 1 tablespoon Grand Marnier.
• Cut Duck flesh along breast bone and remove from bones leaving only leg and wing bones.
• Cut to serving sized pieces.
• Put into casserole dish, pour gravy over and place apricot halves on top.

I have used Maggi Rich Meat Gravy (2 packets – 2 min style – NOT jug gravy) and use the juices (meat and apricot) as part of the water to make the gravy.

(Will freeze and reheat.)

ROTORUA DRYCLEANERS

Hallam Jones is proud to use Rotorua Drycleaners for all their Drycleaning and laundry needs.

Rotorua Drycleaners is your specialist Drycleaner in Rotorua. Did you know we also do clothing alterations and repairs?
Conveniently located at 15 Sunset Road.

www.rotoruadrycleaners.co.nz.

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